$0

annual card feefor the first year. $99 thereafter.^

#Balance Transfer Promotion: Available when you apply and are approved for a new Vertigo, Vertigo Platinum, No Annual Fee, Amplify Signature and Amplify Platinum credit card between 24th January 2019 and 22nd May 2019, and request at card application to transfer balance(s) from up to 3 non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. A balance transfer fee of 2% for Vertigo Platinum and 1% for No Annual Fee credit card of the transferred balance(s) will be charged to the account on the same day the balance(s) are debited to the account. No balance transfer fees apply to Vertigo, Amplify Platinum and Amplify Signature credit cards. At the end of the promotional period, the applicable variable cash advance rate will apply to any outstanding transferred balance(s). We will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). Interest free days do not apply to credit cards with balance transfers.

^First Year Fee Waiver: The first year fee waiver promotion is available when you apply for a new Vertigo Platinum credit card between 24th January 2019 and 22nd May 2019. The first annual card fee at the special promotional rate will be debited to your card account on your first transaction and the full annual card fee will be debited annually thereafter.

Rates

12.74%p.a. variable interest rate on purchases

19.49%p.a. variable cash advance interest rate

2%of each cash advance amount (minimum of $2.50 capped at $150 per transaction)

3%of the Australian dollar value for transactions with merchants based overseas

Switches, upgrades, or Westpac Group staff are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

^First Year Fee Waiver: The first year fee waiver promotion is available when you apply for a new Vertigo Platinum credit card between 24th January 2019 and 22nd May 2019. The first annual card fee at the special promotional rate will be debited to your card account on your first transaction and the full annual card fee will be debited annually thereafter.

1. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible Bank of Melbourne account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Credit Card Complimentary Insurance Terms and Conditions (PDF 827KB) which may be amended from time to time. Westpac does not guarantee this insurance.

2. Visa Platinum/Concierge (“Concierge”) is serviced by a third party supplier. By accessing or using the Concierge, or attempting to do so, you are deemed to have understood and agreed to the terms of usage.

Conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from St.George - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.